About This Role
This credit professional will join a growing team to evaluate business loan proposals and assess customer creditworthiness. The role involves detailed financial analysis and ensuring compliance with credit policies and regulatory requirements.
Responsibilities
- Evaluate business loan proposals and assess customer creditworthiness
- Analyze financial statements, banking transactions, and cash flows
- Conduct digital Personal Discussions (Digi-PD) and office/residence verification
- Review CIBIL reports, identify risk indicators, and assess credit risk
- Verify KYC documents and ensure compliance with internal credit policies and regulatory requirements
- Assess customer business models, financial stability, and repayment capacity
- Coordinate with sales and operations teams for smooth loan processing
- Make informed credit decisions with clear justifications
- Monitor portfolio quality and identify early warning signals
Requirements
- 2–5 years of experience in credit underwriting, preferably in Business Loans
- Strong knowledge of financial statement analysis, banking analysis, and cash flow assessment
- Hands-on experience in CIBIL analysis, loan documentation, KYC, and compliance
- Experience in the NBFC or banking sector preferred
- Proficiency in at least two of the following languages: Telugu, Tamil, Kannada, and Hindi
- Strong analytical, decision-making, and communication skills
Benefits
- Opportunity to work with a fast-growing fintech organization
- Exposure to diverse lending products and customer segments
- Collaborative and performance-driven work environment
